Criminal Complaint — United States v. Terrence Deshun Williams (S.D. Fla., Dkt. 1)
Summary
Criminal Complaint in United States of America v. Terrence Deshun Williams, Case No. 20-mj-6580-AOV, in the U.S. District Court for the Southern District of Florida, entered 11/06/2020 as Document 1. The complaint lists violations on or about June 18, 22, 24, and 26, 2020 of 18 U.S.C. § 1014 (False Statement to Lending Institution), § 1344 (Bank Fraud), § 1956(a)(1)(B)(i) (Money Laundering) and § 1957(a) (Engaging in Transactions in Unlawful Proceeds). FBI Special Agent Justin A. Brannon's attached affidavit alleges that Williams Consulting Group LLC applied for approximately $984,710.00 in PPP funds claiming an average monthly payroll of $393,884.00, while bank records show average monthly payments of approximately $6,262.17. It alleges that $934,000 was wired to another account and that the proceeds were spent on personal expenses.
Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used
Cite this document
“Criminal Complaint — United States v. Terrence Deshun Williams (S.D. Fla., Dkt. 1).”
Original at archive.org. Archived at Pandemic Darlings, https://pandemicdarlings.com/source-documents/court-filing-no-0-20-mj-06580-dkt-1-s-d-fla-3124867c7e/
, SHA-256 55409cabe74da87ede00d5de580104cd743887e898068ea7d0b6ab680694fc40.Full text
Case 0:20-mj-06580-AOV Document 1 Entered on FLSD Docket 11/06/2020 Page 1 of 8
A091(Rtv.l1/l1) Cn'minxlComplint
UNITED STATESDISTRICT COURT
forthe
SouthernDistrictofFlorida
United StatesofAmerica )
V. )
) CaseNo.20-mj-6580-AOV
)
TERRENCE DEHSUN W ILLIAM S )
)
)
Defendantl
s)
CRIM O AL COM PLAINT BY TELEPHONE O R OTHER RELIABLE ELECTORNIC M EANS
1,thecomplainantinthiscase.sutethatthefollowing istruetothebestofmyknowledgeandbelief.
0norabouttbedatets)of June 18,22,24,and26,2020 in thecountyof Broward inthe
Southem Diskictof Flori
da ,thedefendanqs)violated:
CodeSection OfenseDescri
ption
18 U.S.C.û1014 False Staternentto Lending Insti
tution
18U.S.C.j1344 Bank Fraud
18U.S.C.j1956(a)(1)(B)(i) Money Laundering
18U.S.C.j1957(a) EngaginginTransactionsinUnlawfulProceeds
Thiscriminalcomplaintisbasedonthesvfacts:
SEE ATTACHED AFFIDAVIT.
d Continuedontheattachedsheet .
Complainant.
asi
gnature
FBlSpeci
alAgentJustinA.Brannon
Printed nameandtitle
Attested to by theApplicantin accordancew ith the requirementsofFed.W crim .4.1by Facetim e.
Date:Novembçrg,2029 ...
. * # -
Judge'
.gmknatbre
City and state: FoftLauderdal
e!Fl
orida Hon. Alicia 0.Valle
Case 0:20-mj-06580-AOV Document 1 Entered on FLSD Docket 11/06/2020 Page 2 of 8
AFFD AW T IN SUPPORT OF A fM o M zCOA LM NT
1,JustinA .Bmnnon,being flrstdulyswom ,hereby deposeand stateasfollows:
AGENT BACKGROUND M D INTRODUCTION
1. lam aSpecialAgentw1t11theFed= lBllre-uofhvestigae n(FBI).Ihavebeen
employed with the0 1since approximately M ay 2016. Iam currently assigned to hvestigate,
among otherthings,bnnk H ud,m oneylaundering,and otherâauds.
2. Thise davitismadein supportofa criminalcomple tcharsng TERRFNCE
DESHUN W K LIAM S(tR LM S'')w1t11violauonsofTitle 18,UnitedStatesCode,Sections
1014 (FalseStatementto aLendingInsutution),1344 (BnnkFraud),1956(a)(1)@)(i)(Money
Latmdering),and 1957(a)(EngaginginTmnKacionsinUnlawfulProceeds).
3. This ao davitisbased on my personalinvestigation and hwestigauon by olers,
includingfederaland local1aw enforcementoo cialswhom lu ow to bereliableand tnutwoe y.
The facts contained hezvin have been obe ed by interviewing wio esses and exnmining
domlm ents obtained in the course ofthe investigaion as well as tllrough otherm eans. This
aë davitdoesnotinclude every factu own to me aboutthisinvestigatiow butratheronly iose
factssum cientto establish probablecause.
OVERG W 0# THE Sfv M.F m rm rM YCC CK PRO TECTION PROGQAM
overvlew ofthe'JyrAerâlN*fece pPrw qm
4. TheCoronavinmAid,ReliefandEconomicSecurityCCAQES''IAct,Pub.L.116-
136, 134 Stat.281,is a federal 1aw enaded in or around M arcb 2020 desir ed to provide
emergency fm ancialu sistance to the mlllions ofAm ericans wh0 are suFen'ng the economic
efectscausedby theC0Vm -19pandemic.Onesourceofreliefpm videdbytheCARESA ctwas
theauthorizxtionofupto$349billioninforgivableloanstosmallbue esscsforjobretentionand
Case 0:20-mj-06580-AOV Document 1 Entered on FLSD Docket 11/06/2020 Page 3 of 8
certainoierexpenses,throughaprogram referredtoasthePaycheckprotectionprogram (<TPP'').
In orarotmdApril2020,Cong essauthorized over$300 billion in additionz PPP funding.
5. In order to obtnin a PPP loan,a qualifying business must submita PPP loan
applicaiow whicE is signed by an autborized representative of the businesg. The PPP loan
application requiresthe business (throul itsauiorized representative)to acuowledgethe
program nllesand makeccrtain aFlrmntivecertilcationsin order* be elip-ble to obtsinthePPP
loan.IntlzePPP loanapplication,thesmallbusinessttllrougllitsauiorizedrepxsentative)mus't
state,amongoierthings,its:(a)averagemono ypayrollexpenses;and(b)numberofemployees.
n ese Gguresareused to calculatethe amountofm oney the sm allbusinessiseligibleto receive
underthePPP.In addition,businessesapplyingforaPPP loanmustprovidedoctlm entation totbe
lending insétution showing tbeirpayrollexpenses;typically,buszesseswouldsupply donuments
showingtheamolmtofpayrolltav sreportedtotheIntemalRevenueServiceCG S'').
6. A PPP lo= applicationmustbeprocessed by ape cipating lender. lfaPPP loan
applicadon isapproved,theparticipating lenderfundsthe PPP loanusing itsown m onies,which
are100% D nmnteedby SmallBusinessAdministrauon CSBA''). Datafrom theapplication,
including iaform aion abouttâebozrower,thetotalamolmtoftbeloan,and thelisted numberof
employees,istranqmittedbythelendtrto theSBA in thecourseofprocessingtheloan.
PPP loanproceedsm ustbeusedbythebusinesson certe permissibleexpenses-
payrollcosts,interestonm ortgages,rent,and uulities. n ePPP allowstheinterestandpe cipal
on thePPP loan to be ene ely forgiven ifthebusinessspendsthelo= proceedson theseexpense
itemmwithin adesir atedperiod oftimeaherreceivingl eproceedsO d usesacertsin am o= tof
tlw PPP loan proceedson payrollexpenses.
2
Case 0:20-mj-06580-AOV Document 1 Entered on FLSD Docket 11/06/2020 Page 4 of 8
Backsound@/W ZITWM'andœ erpfeFoftheScheme
8. The Unittd Statesisinvestigae g agaudulentapplicauon subm itted in the nam:
ofa company W ILLIAM S formed and conkolled,W illinm qConsultih.gGroupLLC rY i
lliams
Consulthg''l,toalenderapprovedbytheSBA.OnapproximatelyJune18,2020,WILLIAMS,
the head basketballcoach for a Fortu uderdale,Florida,high school,sought appmximately
$984,710.00 inPPP funds,clnimingthatthe1oan wasforthepurpose ofpaying salariesof67
employees,uulie s,and m ortgage interestorrent. W D LIAM S falsely claim ed thatW illinm R
Clmsulting had paid millions of dollars in payrollin 2019 and 2020. ln truth,W V LIAM S'S
company,W illiams Consulting,did notpay any employees,utilities,mortgage interestorrent.
FloridaDepnementofRevenuerecnrdsindicatethatW illiamsConsulting claimed no employees
on itspam ll.
9. n elenderapprovedtheapplication andpaidW K lalAM s $984,710.00 in theform
ofaPPP loan.h steadofftm dingpayroll,W ILLIAM S spenttbePPP m oneyon personalexpenses
and laundered itte ough severalbank accolmts.
TheLending Bank
10. BankA isafmancialinstitue n federallyinsured by theFederalDv sitInsumnce
Corporation(QTDIC'')andbasedinSaltIA eCity,Utah.BankA pe cipatcdintheSBA'SPPP
asalender= d,assuch,wasautlmrizedto lcnd fundsto eligibleborrowers= dœ thetermsofthe
PPP.
FalseJ'
fee-ea/lon###W##fc* @a
W K LIAM S madeanumberoffalserepresentationsonhisPPP loan applicauon.
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Case 0:20-mj-06580-AOV Document 1 Entered on FLSD Docket 11/06/2020 Page 5 of 8
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5007768,WVLIAMSstated+attheentity'sEmwas81-5007764. .
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j l3. In supportoftllisrepresentatiow W L LIAM S included six tax fonnq,a11besnng y
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! Form 940 (Employer,s Annual Federal Unemplom ent TM Rehlrn) aad 5ve Fo= 941s
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1 (BmployersQ mrterlyFederalTaxRetllm)for2019and202091.
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weresigned.Nordid any oftheformssetfo% lmw w illiamsConsultingactunllypaiditspayroll :
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j 15. Ontheapplication,W LLIAM Salsofalselympresentedthennmberofemployees
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i WilliamsCon=ltinghad,andthecompany'saveragemonxypayroll.WDLIAMSclsimedtbat jt
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l 16. A review ofw iniamsconsulting'sbnnvrecords,however,revealsno s'uch pap oll )
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2020 showstbatthecompK y paid out,on average,approximately $6,262.17 each monl not k
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! $393884.00. Furthermore,the$6,262.17avemgeincludesal1accountdebits-including
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! Pam ents to, among otbers, W Z-M G , M acy's, Target, and Pollo Tropical- not wages.
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DepsrtmentofRevenue'srecordsindicatethatW illiRmqConsulting did notreportrecordsof y
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Case 0:20-mj-06580-AOV Document 1 Entered on FLSD Docket 11/06/2020 Page 6 of 8
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WMQSP Fnrther,WilliamsConqultingonlyressteredtoreportsuchrecords .
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' lwp-oceedsspenteneeme-lz/em,anduunderedzwr/xgànankxceounts :
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j OnJ=e22,2020,WKLIAMSreceivedtheproceedsofthePPPloanintoWillixmq
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Consuleg'saccountatBnnkB,anFDIC-k-Y bnnkbeadqlurferedinCherryHi11,NewJersey. j7
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1 20. n atsameday,W Y IAM S receivedintotbesameaccount$494.00fzom theRFL
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DEO''forQ'UIBenest''Based onm ykaining and experience,I% ow thatRFL DEO''standsfor
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.tyand q1JIBenent,,stotjssrunoupjom eat )
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1 2l. Also on thisdate,W D LIAM S opened three accolmtsatBnnk C,an FDIC-H IY #
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I bnnk headquartered in Sfzznrf,Florida:a savings accounttaken outin WV LIAMS'S name;a (
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c ece gaccolmttakenoutinW K LIAM S'Sname;and abusinesscheckingaccounttakenoutin
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22. n enextday,Jtme23,2020,W Y LIAM SusedtheW illiamsConsulting accountat j'
BsmkB fora$4,872.94pam entatAudiofFortLauderdale. ,
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23-' On Jtme 24,2020,W V LIAM S wired $934,000 9om tlle W illiamsConmllting i
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accountatBRn othenewly-openedWillinmnConsultingaccountatBnnkC. j
24. ne following day,June 25,2020,WKLIAMS tonxfezxd gpproxl
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$445,985âomtheWilliamsConsulegaccoutatBrmkCtothesavingsandchecagaccotmts t
in W ILLIAM S'Snam eatBnnk C. l
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Case 0:20-mj-06580-AOV Document 1 Entered on FLSD Docket 11/06/2020 Page 7 of 8
On Jtme26,2020,W D LIAMSwroteMmselfacheck for$25,* 0,drawn on the
checking accolmtopened in hisnnme atBank C. W ILLIAM S tashed the check tbatsame day.
Thepam entwasfunded entirelywithproceedsofthe PPP loan.
CONCLUSION
26. Basedonmy% iningand experience,andtheinformationprovidedinlisaœ davit,
Irespectfully subm itthatl ere isprobablecauseto believeth t:
On oraboutJune 1% 2020,intheSouthernDisG ctofFloridaandelsewhere,the
defendnn: TERRENCE DESHUN W V LIAM S, did H owingly make a false
statement and o ortfor tlle pum oses of M uencing the acuon of a snancial
institutionwhosedepositsareinsuredbyieFederalDepositlnmlm nceCorporaion
in connection with a loan applicauon,in thatthe defendantfalsely rèpresented on
Msapplicauon fora PPP loan to Bnnk A thatMs compu y,W illinm nConsquting
Group LLC,had an averagemonthlypayrollofapm oximltely $393,884.00,when
intI'
UA itdid nothavesuch amonY ypayrolk in violauon ofTitle 18,United
StatesCode,Section 1014.
On oraboutJtme22,2020,in the Southem Die ictofFloridaand elsewhere,tbe
defendant,R RRENCE DESHUN W D LIAM S,did H owingly,and w1t11intentto
deâau; executeO dattempttoexecute,andcausetheexern-'onofiaschemeand
artifce to defraud one or more Enancialinstituuons,which scheme and aY fke
employed a materialfalsehood,and did u owingly,and with htentto defraud,
execute,and attemptto execute,O d cause the execution ofa schem eand artifke
to obtm'n any ofthemoniesandfundsownedby,and tmderthecustody and contol
of Bank A,by means of false and H udulent pretenses, representations, and
pm mises rclating to a material facta that is, by causing Bnn: A to deposit
$984,710.00intoan accotmtconkolledbythedefendqnt,in violationofTitle 18,
United StatesCode,Section 1344.
On oraboutJune 24,2020,in theSouthem Dise ctofFlorida and elsewhere,the
defendant, TERRENCB DBSHUN W ILLIAM S, did H owingly conduct and
attemptto conducta Gnnncialtmnsaction alece g interstate commercc,which
G ancialfm nsaction involvedtlze pm ceedsofspecifed unlawfulacdvity,nnmely,
bsnk H ud, u owing 1 at the property involved in tbe G ancial tm nKaction
represented theproceedsofsome form ofunlawfulactivity,and knowing tbatthe
tmnsacion wasdesia ed,in whole and in partyto concealand disguisethe nature,
the locatiom tâe source,tlle ownership,and the controlof the proceeds of the
sgecifed unlawfulactivity;in violaion ofTitle 18,United StatesCodt,Section
l956(a)(1)@ )(i).
6
Case 0:20-mj-06580-AOV Document 1 Entered on FLSD Docket 11/06/2020 Page 8 of 8
* On oraboutJunt25,2020,in tbt Southem DistrictofFlorida,and elstwhere,the
defendantTERRENCE DESHUN W ILLIAM S,didu owinglyengageand attempt
to engage in a monetary transaction affecting interstate com merce in criminally
derived property ofa value geaterthan $10,000.00:specifkally,the cashing ofa
check he wrotetohimselfin theamountof$25,000.00,whichthe defendnntknew
wasderived from aspeciied unlawfulactivity,nnmely,bank fraud,in violation of
Title18,UnitedStatesCode,Section 1957(a).
FURTHER YOUR AFFIANT SAYETH NAUGHT.
s,e
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cialAgentJustin A.Brannon
ederalBureauofInvestigation
Attested to by the applicantin accordancewith therequirementsofFed.R.Crim .P.4.1by
Facetime on this 6th day of November,2020,in FortLauderdale,Florida.
#AA .
HONORABLE ALICIA 0.VALLE
UNITED STATESM AGISTRATE JUDGE
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